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South Carolina workers' compensation insurance: Your guide to requirements and getting a policy
If you’re a South Carolina employer looking to protect both your business and your team, you’re in the right place. At Beyond, we provide the essential information you need to understand how workers’ compensation works and how to stay compliant.
Who Is Required to Carry Workers’ Compensation Insurance in South Carolina?
Under South Carolina law, any business with four or more employees, including part-time workers and family members—must carry workers’ compensation coverage.
General contractors and subcontractors may also be required to carry coverage, even if they have fewer than four employees. These situations are evaluated individually, and a licensed insurance professional can help determine what’s required for your business.
Yes, certain employers are not required to carry workers’ compensation insurance. Common exemptions include:
Employers with less than $3,000 in annual payroll from the previous year
Casual employees
Agricultural workers
Railroad or railway express companies
Individuals selling agricultural products
Real estate agents working under a broker
Federal employees
Workers’ compensation policies provide several benefits to employees who are injured on the job or develop a work-related illness. Coverage typically includes:
Medical treatment for work-related injuries and illnesses (including repetitive strain injuries), hospital care, surgery, prosthetics, and prescriptions
Lost wages for temporary or permanent disability, beginning after seven days of missed work
Ongoing care, such as physical or occupational therapy
Reimbursement for travel expenses incurred while seeking medical treatment
Death benefits, including funeral expenses for eligible dependents
Businesses can obtain coverage through any licensed commercial insurance carrier in South Carolina. For higher-risk employers or those who cannot secure coverage privately, insurance is available through the assigned risk pool administered by the National Council on Compensation Insurance (NCCI).
Employers may also apply for self-insurance, provided they submit three years of GAAP-compliant audited financial statements. Approved self-insured businesses are responsible for paying a self-insurance tax annually.
Employees must notify their employer of any workplace injury immediately. Emergency care should be sought without delay, and formal notification should follow as soon as possible.
Injuries must be reported within 90 days
Claims must be filed within 2 years with the Workers’ Compensation Commission
Employers are responsible for submitting the Employer’s First Report of Injury to the South Carolina Department of Labor
Failure to submit the required report may result in a $200 fine, although this can be appealed.
While employees may choose where to go for emergency care, follow-up treatment must be provided by a physician selected by the employer. If an employee sees a doctor outside the approved list, their treatment and benefits may not be covered.
For additional guidance, contact the South Carolina Workers’ Compensation CommissionÂ
Most South Carolina employers are legally required to carry workers’ compensation insurance. Without it, you could face fines and be held personally liable for medical costs and wage replacement.
Let Beyond help you stay compliant, protect your employees, and safeguard your business. Reach out today to get started with a policy tailored to your needs.
